Broadly, there are two things that prevent most people having a successful investment experience: costs and behaviour. As more and more investors are coming to realise, using index funds dramatically reduces the fees and charges you pay; compounded over decades … Continued

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Meir Statman is one of the world’s best-known experts on behavioural finance. A Professor of Finance at Santa Clara University, he attempts to understand how investors make financial decisions and how those decisions are reflected in the markets. He’s recently … Continued

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The third Carbon Social Cycle Club ride of the year, on the morning of 19th August, heads north to beautiful Royal Deeside. We’ll meet at Aboyne at 8.45am and head west along the South Deeside Road to Crathie before crossing the North Deeside Road and heading … Continued

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It was a moment that UK fund managers were dreading. In the event, the publication on 28th June of the Financial Conduct Authority’s final report on its study into competition in asset management was rather softer in tone than the … Continued

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Saturday saw the Carbon Social Cycle Club head to Pitlochry to take on some of the Caledonia Etape route.  A dozen of us braved mixed weather to take on the 75-mile ride through fantastic scenery (not all of which we … Continued

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You don’t hear market pundits waxing lyrical about the benefits of diversification. The ‘experts’ you read about in newspapers and investment magazines generally aren’t those sensibly putting their eggs in different baskets.   Instead we have an in-built bias towards … Continued

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CARBON European Tour ambassador Richie Ramsay is in Hamburg for the Porsche European Open but we caught up with him to reflect on his impressive 22nd place finish at the 146th Open Championship at Royal Birkdale, which helped the top … Continued

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CARBON’S European Tour ambassador Richie Ramsay enjoyed his biggest career pay-day when he finished joint second at the recent Duty Free Dubai Irish Open at Portstewart, paving the way to the 146th Open championship this week at Royal Birkdale. In … Continued

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On 22nd July the Carbon Social Cycle Club heads to ‘Caledonian Etape’ country for a loop from Pitlochry around Loch Tummel, Loch Rannoch and over Schiehallion. It is a rolling route with one big climb, Schiehallion, of about a mile … Continued

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One of the biggest attractions of having a broadly passive investment strategy is the simplicity of it. You don’t have to speculate on particular sectors or regions or constantly monitor how your portfolio is performing. The long-term market return is … Continued

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